Terms of use
The short version: we compare, the issuer decides, and you should verify.
This page describes what we actually do today. It is written in plain language and is being reviewed by legal counsel before launch. If anything here conflicts with a signed agreement, the agreement governs.
What this service is
Skarp Finance provides credit card comparison and application intake. We are not a bank, a lender, or a licensed financial adviser, and nothing on this site is financial advice tailored to your circumstances.
Accuracy
We verify card terms against issuer sources and record when we did so. Terms still change without notice, and issuers may offer different rates to different applicants. Confirm every rate and fee with the issuer before you apply. Where our information and the issuer's differ, the issuer's governs.
Approval decisions
We do not approve applications, set credit limits, or set your rate. Those decisions rest solely with the issuer.
Our compensation
We earn a referral fee from issuers when an application we send is approved. This does not affect how cards are ranked. See our methodology for the full explanation.
Card data verified August 4, 2026.
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